sure it was a day when most were focused on chuck hagel and a cruise ship and hagel and chocolate, but it was during to hearing with the very sexy name of wall street reform, and consumer protection, the witnesses were seven federal financial industry regulators from places like the securities exchange commission. because elizabeth warren was a junior member of the committee, it took about an hour and a half for her to question the witnesses. when she got her turn she made the most of it, asking a really, really good question, a question that has been lingering ever since financial crisis began. >> i know there have been landmark settlements but we face very big issues with financial institutions. if they can break the law and drag in billions in profits, and then turn around and settle, paying out of those profits, they don't have much incentive to follow the law. it is also the case that every time there is a settlement and not a trial it means that we didn't have those days and days and days of testimony about what those financial institutions had been up to. so the question i reall